1. Annual Income: 150k+

2. Free Lifetime Annual Fee: either no annual fee or auto waiver on meeting criteria. non-waivable annual fees or manual waiver application is a dealbreaker.

3. Card required for: CASHBACK in my main consideration.
Main Categories of spend
Petrol,
Grocery,
Dining,
Grab,
E wallet,
Utilities,
Insurance
airasia tickets .

4. Existing credit cards (if any): Maybank Amex Platinum (weekend only restriction is becoming a hassle, merchant acceptance is still not as wide as i hope after years of sticking with it)

5. Interested in CC from: RHB shell, CIMB Petronas Inifinite

6. Others: i would prefer to only carry one card out for grocery and dining. the other categories should be able to load up to apps and pay from there.

This post has been edited by lin00b: Dec 7 2024, 11:14 PM

Hi all sifus, I need recommendation and confirmation, tqtq

1. Annual Income: 90k

2. Free Lifetime Annual Fee: Free / Auto-waiver

3. Card required for: CASHBACK

Current Spending
Petrol = 800 Petronas (100 covered by UOB One Classic, balance 700)
Grocery = 100 (100 covered by UOB One Classic)
Dining = 100 (100 covered by UOB One Classic)
Grab = 100 (100 covered by UOB One Classic)
TNG = 1000
Utilities = 100 Umobile
Insurance = 200

4. Existing credit cards (if any):
UOB One Classic

5. Interested in CC from:
some of my own ideas after researching
A. Maybank Islamic Petronas Ikhwan Platinum - 8% cb petronas, no min. spend
- to cover for petrol, weekend spending 625 get 50 capped cb? (link to setel cardterus)
- does this cc confirm give 8x treatpoints for spending on weekend/ 5x for weekdays?

6. Others: Any suggestion for my TNG, utilities, insurance spending?

UOB One, CIMB Petronas, Maybank M2, RHB Shell, Alliance VI

RHB Shell should cover all

u may check Affin Duo
but with 1% convenience fee, whether it is worth the effort

where did u get this info?

FAQ

[quote=1mr3tard3d,Dec 8 2024, 07:28 PM]

where did u get this info?

From Ringgit Plus, can check the website, scroll to the bottom
But hor, i checked Maybank website tak ada, maybe ringgit plus messed up the Maybank Islamic Petronas Ikhwan With Maybank Petronas

UOB One Annual Fee is not waivable? didnt find anything on waiver on website
Maybank 2 Plat is what i m currently holding and looking to move away from
Alliance VI is a points card, i think you meant alliance VS? thats in my shortlist. thanks.

i saw that one too, but when i cross checked at Maybank official website, there are not mention on min spending RM100 and above.

It could be typo error, so far as i know only PB Quantum cc had that kind of requirement.

refer to post #6276
not in single transaction, but accumulated spending for the month

You can consider adding Maybank VS since it covers your both petrol and grocery

thanks for the recommendation

currently i have shortlisted the following
1. RHB shell (petrol, grocery, e wallet, online, utility, others)
2. CIMB Petronas VI (petrol, grocery, dining)
for consideration/back up
3. Alliance VS (online, grocery, dining, petrol, utility, others)
4. RHB VS (Online, entertainment, shopping, overseas, others)
5. Maybank VS (Petrol, grocery, others)

going to monitor my spending for a few months to see if i can meeting the requirements for the first 2 before adding more.
with 1 and 2 my monthly limits
petrol : 920 for 120 cashback
Grocery : 500 for 30 cashback
Dining : 500 for 30 cashback
utility : 150 for 7.5 cashback (lol)
e wallet/online : 850 for 42.5 cashback
additonal 3500k on others to meet the threshold.

Maybe i will swap out CIMB with Alliance..

r u looking for highest cash back or minimum number of card? also, really depending on your 'other spending'
nevertheless, based on the spending above
utility + e wallet/online: Affin Duo

weekend spending with either MBI Mastercard or HL Wise
weekday spending with UOB One Classic

not sure y u r allergic to card with annual fee
e.g. MBI Mastercard: (CB RM 50 x 12 months - SST RM 25) / RM 12,000 = 4.79%
HL Wise (CB RM 65 x 12 months - SST RM 25 - annual fee RM 98) / RM 12,000 = 5.47%
UOB One Classic (CB RM 40 x 12 months - SST RM 25 - annual fee RM 120) / RM 6,000 = 5.58%

btw, i have never failed to get annual fee waiver from UOB for UOB One Classic/Platinum to-date

For HL Wise:

Dining spend 134 get 20
Petrol & Groc 150 get 15
Online 1500 get 15
Total Spend 1934 x 12=23208
Total cb 65x12=780, minus AF+sst=123, 780-123=657.
Effective cb= 657/23208= 2.83%

Dining spend 134 get 20
Petrol & Groc 150 get 15
Online 566 get 5.66
Total Spend 1000 x 12=12000
Total cb 55.66x12=668, minus AF+sst=123, 668-123=545.
Effective cb= 545/12000= 4.54%

1. Annual Income: 100k+

2. Free Lifetime Annual Fee: Preferred

3. Card required for: CASHBACK - mainly Dining and "other" categories not covered by my current cards / other categories once my other cards' cashback are capped or not eligible for cashback, preferably no min. spend per transaction and high effective cashback

4. Existing credit cards (if any): Maybank 2 Plat, 2 Premier (cancelling soon), Ikhwan AMEX, Public Quantum Visa, Public Islamic Visa Platinum

5. Interested in CC from: Was HLB Wise, UOB ONE? Affin duo & duo+ (but I really hate the mastercard that comes together, I don't see any use for it)

6. Others: No longer interested in airmiles for now. I won't be using this card for petrol & grab, estimated spending on this card on average will be around RM1k per month. But based on my spending pattern for last 12 months, seems it will be between 2k to 4k on this card.

This post has been edited by Altrius: Today, 12:24 AM